Podcasts about calculating

Government contractors who submit invoices to federal agencies can receive up to 90% of that invoice amount the same day through receivables-based funding, at a fee of 2 to 4% of the invoice, without a bank application or a two-to-three-year business history requirement. Craig Cohen, a former commercial banker with 10 years in traditional lending and now a funding specialist at Encore Funding, breaks down how bank fees including application, documentation, ACH, lockbox, monitoring, and unused-line charges routinely make bank rates more expensive than alternative funding, and how a new contractor can access between $50,000 and $500,000 in working capital with a 10 to 15 minute application. What you'll learn in this episode: Why a bank's advertised prime-plus rate is not the true cost once documentation, ACH, lockbox, and monitoring fees are added in How receivables-based funding works: submit an invoice to the government, get up to 90% wired the same day, pay 2 to 4% of the invoice when the government pays in 30 to 60 days Why banks reject businesses under two to three years old and what startup-friendly funding actually requires instead What makes merchant cash advances (MCAs) dangerous: interest rates of 50 to 100% and aggressive repayment schedules that often require a second loan to cover the first How to fill out the Encore application in 10 to 15 minutes using information you already have Chapters: 0:00 - Why the bank rate is not the real cost 1:45 - Merchant cash advances: what to know before you borrow 3:30 - Bank approval vs Encore approval: the time difference 4:45 - Why banks reject newer government contracting businesses 6:00 - How the invoice advance and repayment flow works 8:10 - Calculating fees: what 2 to 4% actually means per invoice   Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

Quitting your job should not be based on emotion.It should be based on numbers.In this episode of The Level Up Podcast, Paul Alex breaks down how to calculate the minimum financial benchmark you need before leaving your 9-to-5 and committing more time to your business.Freedom is not a vague goal.It has a monthly cost.Once you understand your essential expenses, your business overhead, and the cash reserve you need, the decision becomes far less intimidating.In this episode, you'll learn:• Why you may not need to replace your entire corporate salary before leaving• How to calculate your minimum viable monthly lifestyle cost• Why building an emergency reserve can reduce the risk of your transition• How clear financial benchmarks can remove emotion from your exit decisionThe truth is simple:Stop guessing.Know your monthly burn rate.Cut unnecessary expenses.Build the reserve.Set a clear financial trigger for your transition.When you understand exactly what your freedom costs, fear gets replaced by a plan.Run the numbers.Hit the benchmark.Execute the exit.Your Network is your NETWORTH!Make sure to add me on all SOCIAL MEDIA PLATFORMS:Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you:www.CashSwipe.comFREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com

Episode 714: We have internet gremlins! How does “John” respond to phone calls? It'd be better if you had big tits. Precision of language. Puke changes tires and wheels on the racecar; Andrew is enraged. Calculating pounds per square centimeter. The definition of “okay”. Spider crickets. Tom the Mime delights Andrew. What is Zombo dot com? How many Pittsburgh movies have we seen?

Send us Fan MailNate Littlewood, founder of Future Ready CFO, joins Noah Wickham on the MAG Growth Podcast to explain why profitable Amazon and e-commerce brands can still run short on cash. They cover the difference between profit and cash flow, how inventory can drain working capital, and why fast growth can create financial pressure. Nate also shares how founders can use ROI math, bottleneck analysis, and team skills to choose better growth projects. The conversation also looks at the 80/20 rule, underperforming SKUs, product catalog growth, and why adding more Amazon products does not always lead to more sales. Amazon sellers, CPG brands, and e-commerce founders can use these ideas to make better financial decisions and focus on profitable growth.If cash flow, inventory costs, or profit margins are holding the brand back, book a call with us to figure out what needs fixing first. https://bit.ly/4jMZtxu #AmazonSeller #Ecommerce #CashFlow #AmazonFBA #Entrepreneurship Want free resources? Dowload our Free Amazon guides here:Download the 2026 Amazon AI Operating Manual: https://bit.ly/3SLmusPAmazon Receiving Delay Guide: https://hubs.ly/Q04cdD4c0Amazon Catalog Spring Cleaning: https://hubs.ly/Q046BVfp0Amazon Proft Margin Defense 2026: https://hubs.ly/Q042trRH0Amazon SEO Toolkit 2026: https://bit.ly/4oC2ClTAmazon Seller Strategy Report 2026: https://bit.ly/3YN1RME2026 Ecommerce Website & SEO Readiness Checklist: https://hubs.ly/Q04btghf0Amazon 2026 PPC guide: https://bit.ly/4lF0OYX Timestamps00:00 - Pricing, Margin, and Ecommerce Growth01:50 - Nate Littlewood and Future Ready CFO03:54 - Why Founders Are Data Rich but Decision Poor06:51 - Knowing When a Business Is Ready to Grow08:37 - Using ROI to Pick Growth Projects09:45 - Finding Bottlenecks in an Ecommerce Business11:14 - Matching Growth Plans to Team Skills13:53 - Why Profitable Brands Can Have No Cash15:34 - How Fast-Growing Brands Grow Broke17:14 - The 80/20 Rule for Amazon Products18:05 - Calculating the Real Cost of Each SKU20:12 - The Jam Study and Too Much Product Choice21:24 - When More Amazon SKUs Hurt the Business23:43 - New Products vs Product Variations-----------------------------------------------------------------------------------------Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show

Traditionally, scientists have been able to calculate the role of genes in autism, or the environment in autism. However, understanding the role of genes together with the environment, or the effects of the environment with a genetic background, has been very difficult. This is especially true with polygenic genetic risk factors, which is not a single gene but a combination of multiple genetic influences. Different environmental factors might be good candidates for testing because some of them are more accurately measured than others. This week, we talk to Drs. Nilanjan Chatterjee and Christine Ladd Acosta both from Johns Hopkins University, who have tested and validated a new method to calculate the risk of not just genetics, or the environment but the two working together. They describe some of the factors they studied and why, and how this model can be used for further research questions. https://pubmed.ncbi.nlm.nih.gov/42230772

Money correspondent Susan Edmunds spoke to John Campbell about active first-home buyers and whether the purchases are likely to pay off as investments.

Welcome to another Unscripted episode of Design Business Freedom, where your real-world interior design business questions get answered with practical, profitable strategies built from more than three decades in the industry. In this episode, we're tackling interior design markups, procurement management fees, internet purchases, day rates, travel billing, and flat-fee pricing so you can protect your profit while delivering a better client experience. Pricing an interior design project can feel complicated when there are dozens of ways to charge for products, procurement, sourcing, installs, travel, construction projects, and furnishings. This episode breaks down how to create clear pricing systems, take responsibility for procurement without giving away your expertise, calculate profitable day rates, and use proven flat-fee formulas instead of relying on hourly guesses. In This Episode You Will Learn: Treat internet purchases like any other procurement source by researching return policies, freight responsibilities, damage procedures, and vendor requirements before ordering. Build a procurement management fee into every product your design firm purchases instead of treating product purchasing as an unpaid administrative task. Protect your interior design business by clearly defining client-purchased products, receiving responsibilities, inspections, returns, repairs, and replacements in your contract. Calculate a profitable day rate for installs, travel, and out-of-town projects so your time and design talent are never given away for free. Use proven flat-fee pricing strategies inside your Design Business Freedom model rather than estimating hours and simply rolling them into one number. While one word can truly grow your profits, mastering more will lead to a full business and personal transformation. Get them all in my book "The Language of Success: 35 Words to Boost Your Worth and Wealth". You'll be pleasantly surprised at the effectiveness of these word swaps and the increased confidence you'll feel in business and life.  Timestamps: (00:04) Welcome to another Design Business Freedom Unscripted episode (02:06) Managing internet purchases, sourcing, returns, and procurement responsibilities (05:18) Why product purchases should flow through your firm (06:30) Charging procurement management fees across all project goods (09:24) Procurement fees, transparency, and profitable markup percentage ranges (14:08) Understanding industry markups and calculating from designer net (16:17) Retail pricing, VIP savings, transparency, and ethical alignment (20:14) Why exclusive trade resources strengthen your sourcing strategy (23:41) Why your time on installation day is never free (24:10) Calculating day rates for travel and installations (27:19) Building a profitable interior designer day rate (30:14) Moving from hourly billing into profitable flat fees (33:46) Five flat-fee methods and protecting against underestimated hours (36:01) Having money conversations before presenting project pricing (39:43) Choosing square-foot, per-room, and project-cost pricing methods (42:42) Why flat fees require stronger interior design discovery (45:10) Defining scope and deliverables for profitable flat-fee projects Key Takeaways: Procurement is a professional management service, and every product your firm handles should contribute appropriately to your profitability. Interior designers should charge for installation leadership, travel, and project days because your expertise remains valuable wherever the work happens. Successful flat fees come from proven formulas and clearly defined scope, not from guessing how many hours a project might take. A profitable interior design business starts with strong discovery and money conversations before presenting fees or committing to project scope. About Melissa Galt: Melissa Galt is an award-winning business coach, marketing consultant, speaker, and interior designer with more than 30 years of experience helping interior designers build profitable, scalable, and sustainable businesses. Through Design Business Freedom, Melissa shares proven Interior Design Business strategies, Interior Design Marketing insights, leadership training, pricing expertise, and growth systems designed to help designers attract better clients, increase profitability, and create lasting success. Connect with Melissa Instagram Facebook Linkedin Website  

Scott Ramage from HireVP discusses how residential builders fall into the habit of solving every site problem themselves. Taking 50 phone calls a day, chasing down subcontractors, and processing invoices reduces an owner's effective pay to around $35 an hour. Handing an assistant a random list of chores rarely fixes this capacity problem. Scott advises defining a strict role, such as a project coordinator, and holding that person responsible for specific outcomes like processing draws and answering client questions. Scott uses the "bus test" to demonstrate what happens to a building company if the owner is suddenly unavailable. If daily operations live entirely in the founder's head, the active projects stall. He suggests recording daily tasks using video or voice tools, like Loom, so staff can learn the steps without the owner needing to sit down and type out a formal manual. Links & Resources HireVP Website - hirevp.us

Patreon backers have access to an exclusive ComicLab Churn Rate spreadsheet — it does the math for you! Is your Patreon actually growing—or are new members disguising a retention problem? Brad walks Dave through the process of calculating churn rate and shows how one number can unlock a much clearer understanding of a membership business. They discuss subscriber retention, lifetime value, onboarding, well-timed interventions, and how to determine whether advertising or convention appearances are truly worth the investment. Then, Dave asks whether publishing a children's book page by page on his existing webcomic could finally help him finish it. Topics include: Skunk Watch 2026 What churn rate means for a Patreon creator Why total membership and revenue can give you an incomplete picture Finding the necessary numbers in Patreon Insights Two methods for calculating churn rate What constitutes a healthy churn rate Why one month of data isn't enough Calculating your average churn rate over time Calculating your retention rate Estimating average subscriber lifetime Calculating average monthly revenue per member Determining the lifetime value of a Patreon backer Why retaining a current member is cheaper than acquiring a new one Using Patreon Autopilot to reduce cancellations Evaluating the quality and value of your Patreon rewards Improving the onboarding experience for new members Welcome messages, digital gifts, and personalized Bonjoro videos Brad's one-week Patreon check-in Helping new backers navigate a complicated archive Using average subscriber lifetime to schedule a retention intervention Brad's 18-month check-in and longtime-backer gift Repackaging older work into valuable digital rewards Rewarding and recognizing your longest-serving supporters Exclusive livestreams, previews, and “inner circle” benefits Calculating an acceptable customer-acquisition cost Evaluating paid advertising with lifetime-value data Tracking whether a comic convention was financially worthwhile Why free webcomics may still be the best customer-acquisition strategy Dave's productivity tip: drawing to Brazilian Carnival music Using a webcomic schedule to force yourself to complete a children's book Why serialized children's-book pages may not satisfy online readers Publishing complete thematic sections instead of individual pages Building a new project into an established comic's schedule The difficulty of building an audience for an independent children's book When a traditional children's-book publisher may be helpful Creative control, editorial notes, and refusing unwanted revisions Breaking publishing rules and trusting your own experience Releasing a finished independent book before seeking wider distribution Why experienced cartoonists may resist redrawing or revising completed work ComicLab LIVE at the National Cartoonists Society Reuben Awards   You get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.If you'd like a one-on-one consultation about your comic, book it now!Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. He is available for personal consultations. Dave Kellett is the creator of Sheldon and Drive. He is the co-director of the comics documentary, Stripped.

Struggling pilates studio owner goes viral asking for help -- Mike Arce coaches her live on numbers, retention, ads, and pricing. Jess Landar runs a struggling pilates studio in Auckland, New Zealand. She posted on Instagram that she needed help, so Mike reached out and turned it into a live gym business audit. This is Part 1 of a two-part series. Her studio peaked at $15,000 NZD a month and had dropped to $10,000 when they sat down. Mike walks through her gym churn rate, her lifetime value, her ad data, and her pricing structure, and shows her the exact math that would triple her book of business without adding a single new member. This episode is for any struggling pilates studio owner, or any boutique fitness studio owner who feels like they are doing everything right and still losing ground. Mike coaches her live the same way he coaches the studios inside GSD Gyms, using real numbers instead of guesses. Part 2 covers her retention plan and her sales process. In this episode you'll learn: — Why her ad costs looked expensive but were actually some of the best Mike has seen — The churn math that shows what her book of business is really worth — How dropping churn from 11.3% to 4% could triple her lifetime value without a single new member — The three ways to grow revenue, and why only one made sense for her right now — The three ways to get more members, and the three ways to improve retention — Why community, not results, is now the number one reason people join and stay in a boutique studio — The four levels of certainty every prospect needs before they buy — Why her 12% close rate is actually better than it looks once you see the real math — The CRM and automation setup Mike recommends for following up with every lead — Why simplifying her four pricing tiers down to three could change her close rate — The homework Mike gave her to complete before Part 2 If you have ever felt like you are doing everything right and still losing ground, this live audit shows you exactly where to look first. Timestamps: — 0:00 Jess's viral Pilates studio story and why this episode exists — 1:34 Welcoming Jess to the podcast — 4:18 Studio peak revenue versus current revenue — 5:31 Revealing an 11.3% monthly churn rate — 7:32 Calculating her lifetime value and book of business — 10:11 What her book of business would be worth at 4% churn — 13:00 Her sales rate versus her attrition rate — 14:14 Three ways to increase revenue — 19:58 Three ways to improve retention — 33:00 Paid, earned, and owned leads — 36:09 The four levels of certainty before someone buys — 41:11 Reviewing her actual ad numbers — 1:10:33 Setting up a CRM and automation for lead follow-up — 1:24:31 Simplifying her pricing to three tiers — 1:27:14 Homework before Part 2 100K Plan: https://www.youtube.com/watch?v=uMPx7b3_LOA Behind Gym Doors Podcast Playlist: https://www.youtube.com/playlist?list=PLnwaMl7Us7dAkfE6idQW56EYkEEQ2E5eE Go High Level (CRM Mike uses and recommends): https://www.gohighlevel.com/?fp_ref=gsd-company11 Pricing Episode Mike References — "The Decoy Effect: How to Structure Your Gym's Pricing to Close More Members": https://www.youtube.com/watch?v=Uzb8xuTOA4A Want an ad agency referral? DM GSD Gyms on Instagram: https://www.instagram.com/gsdgyms Connect with Jess Landar: Instagram: https://www.instagram.com/thereformerlibrary Mike walks Jess through the same math and process he uses with the $100K a month studios inside GSD Gyms. The plan behind how we get gyms there is right here. Turns out her ads were never the problem.

Chullin 97 : Marc Chipkin : 2026-08-05 Relying on a non-Jewish chef to taste food for forbidden flavour. Something salted is like something hot, and something pickled is like something cooked. Calculating all elements of mixture towards one-sixtieth, including the pot.

Being booked feels like proof that the business is working. But if most of that schedule is filled with injectables, the revenue can look much stronger than the profit underneath it. Product costs, provider compensation, commissions, memberships, and discounting can leave very little behind—even when the calendar is full.  In this solo episode, I break down why injectables need to be evaluated as part of your full service mix instead of carrying the entire growth strategy. I also explain how to organize your P&L by treatment category, calculate what patients actually contribute in gross profit, and use comprehensive treatment plans to improve both patient retention and practice profitability. A Full Injectable Schedule Can Still Produce Weak Profit  Injectables are often one of the largest revenue categories in a medical aesthetics practice. They bring patients through the door, create recurring appointments, and can help establish long-term relationships. But with supply costs, injector compensation, commissions, and discounts factored in, gross margins may only land around 30% to 40%.  That does not leave much room to cover the rest of the business. Rent, administrative payroll, marketing, software, and other operating expenses still have to come out of what remains. When injectables dominate the schedule without enough higher-margin services around them, a busy practice can still struggle to generate healthy cash flow.  Your P&L Should Show Which Services Actually Make Money  A single revenue line labeled "services" does not give you enough information to manage the practice. You need to see how much revenue each treatment category produces and what it costs to deliver those services. Keep the categories simple enough to review consistently, but specific enough to reveal where your profit is coming from.  Group revenue into four or five core categories, such as injectables, aesthetic services, beauty services, laser treatments, and surgical services  Match each category with its direct supply costs, provider labor, and commission expenses  Calculate gross margin by treatment category instead of relying only on the practice-wide average  Separate package revenue collected from the revenue earned as treatments are delivered  Compare patient lifetime revenue with the gross profit that patient generates  Review how memberships and discounts affect margins over time  Track which services lead to repeat visits and broader treatment plans  You do not need dozens of categories or an overly complicated financial report. You need enough visibility to understand the composition of your revenue. Just as body composition tells you more than weight alone, your service mix tells you far more than total sales.  (00:00:00) Why injectables are difficult to price (00:05:41) Balancing the P&L with service margins (00:08:27) Mapping revenue and profit by treatment (00:10:27) Calculating patient lifetime value (00:14:01) Challenging assumptions about patient budgets (00:17:42) Improving retention through treatment plans  Treatment Plans Create More Value Than One-Off Appointments  Patients may come in asking for Botox or another familiar service, but that does not mean they understand every option available to them. A strong consultation starts with the result they want, then maps out the treatments that can realistically help them get there. Present the full recommendation before making assumptions about what they can afford. Let the patient decide what to pursue, what to postpone, and how quickly to move through the plan. That is consultative selling: educating the patient, setting expectations, and helping them make an informed decision without down selling for them.   A written treatment plan also gives the relationship room to grow. One injectable appointment can become the start of a longer patient journey that includes laser treatments, skincare, and other services that genuinely support their goals.  A Stronger Service Mix Makes Growth More Sustainable  When one treatment category carries too much of the practice, changes in product costs, provider capacity, or local pricing can quickly put pressure on the entire business. A more balanced service mix combines the retention benefits of injectables with treatments that produce stronger margins and make better use of the team, equipment, and space you already have. This gives you a healthier patient lifetime value, more recurring revenue, and a clearer picture of what the practice can support as it grows. It also helps you make better decisions about pricing, inventory, staffing, equipment purchases, and future expansion.  A full schedule should create more than activity. It should generate enough gross profit to fund the next stage of the practice. Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon:  Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/    The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here.

This is how to analyze a rental property step-by-step in 2026. You don't need to do any complicated math, you don't need to sign up for a course, and you don't need to have previous rental property experience. I've tweaked this process over the past fifteen years of investing to ensure it gets me the best returns possible while being so conservative that it's hard to get it wrong. Today, I'm showing you exactly how to do rental property analysis like a pro, even if this is your first investment property. I took a real property from Zillow to analyze in this episode, using real rent and expense estimates, not made-up numbers to make the cash flow look good. I'll walk through which numbers are crucial to get right, which you can adjust to see if the deal would work in different scenarios, and how to get the seller (instead of you) to pay for some of your costs or lower the price. Every tool I use in this episode is listed below, so use them! In This Episode We Cover How to analyze a rental property, step-by-step in 2026 (with an actual property example) Why you must read the full listing description to find what most investors miss  Calculating after-repair value (ARV) to see how much your property could be worth  The three different ways to estimate rent price (and which is most accurate?) The returns I need to see to move forward on a real estate deal (which metrics matter most) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1311. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Green Industry Podcast, host Paul Jamison breaks down Chapters 4 and 5 of his new book, explaining how to calculate your true break-even man-hour rate and why saying "no" to bad jobs is the key to building a highly profitable lawn care business.

Players on Server 11 discovered a development account with its shield down and approximately one trillion Sigma Tritanium sitting inside. They cracked the base, raided it for days, and walked away with what may have been nearly $18 million worth of resources based on pack values. In this episode of Talking Trek Live, DJz breaks down exactly how the raid happened, why the players could never spend the entire haul, and how Scopely plans to repair the economy without punishing the commanders who found the target. Scopely will reclaim much of the unspent resource surplus, but the raiders will keep anything they already used, a meaningful amount of Sigma resources, their historic raiding totals, and an exclusive Legendary Looter title created specifically to commemorate the incident. The show also examines new restrictions being placed on development accounts to prevent another trillion-resource piñata from appearing on a live server. Later, the crew looks ahead to M94, discusses the expanded G4 Ascension Tree and its role in guiding developing accounts, and reviews potential Alliance Tournament rewards. Professor Puttz and Tarpitude analyze the return of Battle Pass choice tokens, including the differences between the free and Elite tracks and the effect of the daily login calendar. Finally, Mad Scientist Jules Verne presents the full Ra'ul Reaver breakdown. The discussion covers refinery conversion efficiency, estimated progression time, cargo capacity, raiding percentages, realistic hourly yields, and whether commanders should use the Amalgam to clear traditional resources before switching to the Reaver for Sigma resources.   01:31 - Welcome to Talking Trek 06:20 - The Secret Server 11 Raid Leaks 07:39 - A Dev Base With One Trillion Sigma Tritanium 09:15 - The Raiders Did It Without the Reaver 11:18 - Calculating the Resource Pack Value 15:46 - How Much Was Injected Into the Economy? 17:02 - A Nearly $18 Million Mistake 18:27 - Could the Raiders Spend the Resources? 23:56 - Scopely's Official Response 24:36 - Resources Will Be Reclaimed 24:56 - The Exclusive Legendary Looter Title 28:16 - What the Raiders Will Get to Keep 34:40 - Cameron Stewart Learns About the Incident 35:37 - New Rules for Development Accounts 49:34 - Why Scopely's Response Worked 58:29 - Is M94 the Real Anthology Arc? 1:00:29 - The New G4 Ascension Tree 1:05:10 - Cameron's Experience With Early Progression 1:18:45 - Alliance Tournament Rewards and Ship Skins 1:39:20 - M93 Battle Pass Choice Token Math 1:45:11 - Free Track Versus Elite Track Value 1:48:15 - Adding the Daily Login Calendar 2:00:07 - Ra'ul Reaver Refinery Breakdown 2:02:13 - How Long Will the Reaver Take to Max? 2:03:39 - The Reaver's Improved Raiding Ability 2:09:19 - How Much Can the Reaver Steal? 2:14:20 - Amalgam Versus Reaver Raiding Strategy 2:15:57 - The Reaver's Best Use Cases

In this live-stream episode, Bryan is joined by Tim DeStasio, John Semmelhack, and Ty Branaman for a deep dive into residential ventilation — the often-overlooked "V" in HVAC. The group opens with quick life updates before launching into a wide-ranging conversation covering the three core ventilation strategies (circulation, extraction, and dilution), how tight home construction changes the ventilation equation, and why there is no single "magic number" that works for every house. A major theme is the physics of pressurization and depressurization. Tim walks through balanced strategies (ERVs and HRVs), positive-pressure approaches using ventilating dehumidifiers, and exhaust-only setups — explaining why exhaust-only, while still code-compliant, is his least favorite option due to the risk of pulling air from crawl spaces, attics, or combustion appliances. Using REDCalc, Tim demonstrates how even modest airflow can swing a tight house's pressure by ten or more pascals, and the group discusses how wind, stack effect, and seasonal conditions constantly change a home's natural air exchange rate. Ty brings a service-focused perspective, emphasizing measurement before intervention — checking CO2, carbon monoxide, and other indicators before jumping to solutions like bigger fans or added dehumidification. He shares real-world stories, including a rental home with elevated CO from an unvented gas range, and stresses that building science problems (duct leakage, poorly placed bath fans, depressurized combustion appliances) often hide behind symptoms that look like simple ventilation shortfalls. Large kitchen range hoods get particular attention: hoods moving 1,200 CFM or more can seriously depressurize a house, and the group discusses code thresholds for interlocked and powered makeup air, along with practical products like the Fantech MUAS. John rounds out the discussion with a walkthrough of a real high-performance home design, showing how an ERV can serve both whole-house outside air and continuous bathroom exhaust, how MERV 16 pre-filtration has become a common upgrade since the 2021—2022 wildfire smoke events, and how an ERV can be configured to boost into a makeup-air role when a range hood kicks on. The episode closes with a look at ventilating dehumidifiers, demand-controlled ventilation, the tradeoffs of leaving blower fans in the "on" position, and recommended resources for anyone wanting to go deeper into building science. Topics Covered The three ventilation strategies: circulation, extraction, and dilution How tight, high-performance construction drives the need for mechanical ventilation Calculating and understanding natural air exchange rates Balanced (ERV/HRV), positive-pressure, and exhaust-only ventilation strategies Using REDCalc to model pressurization and depressurization Why exhaust-only ventilation can create combustion safety risks Designing ventilation with flexibility beyond code-minimum rates Measuring first: CO2, CO, and pollutant levels before choosing a solution Large range hoods, makeup air requirements, and the Fantech MUAS system Passive capture and range hood geometry (corner hoods vs. center islands) A real-world high-performance home ERV design walkthrough MERV 16 pre-filtration for outside air following regional wildfire smoke events Using an ERV in a makeup-air configuration for range hood operation Ventilating dehumidifier strategy and sizing considerations Demand-controlled ventilation and the new ASHRAE 62.2-2025 guidance Risks of leaving blower fans in the "on" position, including duct leakage effects Recommended building science resources: Joseph Lstiburek, Allison Bailes, and TEC classes   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool Purchase your tickets or learn more about the 8th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

Mitch McConnell and Lindsey Graham both left Congress abruptly in the middle of July, probably for the same reason, though not confirmed as of the recording of this episode. Both were known foreign assets working against the interests of the voters of both parties.The senior citizens in Congress are starting to drop like flies. Causes range from heart attacks related to the vaccines, or maybe even a Russian missile. Calculating the immense damage caused by these two traitors over the decades, as they schemed from the shadows and colluded with foreign powers, is impossible to quantify. One thing is for certain: Glitch McConnell and Lady G will never be able to betray the American people again.---Macroaggressionswww.Macroaggressions.ioMerch StoreLink Tree Video ChannelsRumble | YouTube | BrighteonActivist PostNewsletter Sign UpAudiobooksHypocrazyThe Octopus of Global ControlSupport Our SponsorsReplace Your Mortgage: www.WipeOutYourMortgageNow.comGround Luxe Grounding MatsC60 Power | Promo Code: MACROChemical Free Body | Promo Code: MACROWise Wolf Gold & SilverLegalShield: www.DontGetPushedAround.comChristian Yordanov's Health ProgramThe Dollar VigilanteNesa's Hemp | Promo Code: MACROAugason Farms

CALCULATING EMPLOYEE LIFETIME VALUE   For decades, talent acquisition has been measured by speed and cost—time-to-fill and cost-per-hire dominated the conversation while the true economic impact of every hire remained frustratingly opaque. Yet as workforce strategy matures into a board-level priority, a critical shift is underway: organisations are finally beginning to quantify what an employee is actually worth over their entire tenure. Employee Lifetime Value (ELTV) represents the holy grail of people analytics—a single metric that captures productivity, revenue generation, retention savings, and cultural contribution from day one to departure. This webinar demystifies the calculation, exposes why most organisations get it wrong, and reveals how TA leaders can use ELTV to transform recruitment from a cost centre into a profit-driving strategic function.   Key Themes We Must Address:   • Defining the Metric – Breaking down the ELTV formula beyond simplistic revenue-per-employee to include performance trajectory, promotion velocity, and knowledge transfer value   • The Data Dilemma – Why HRIS fragmentation, inconsistent performance data, and short organisational memory make accurate ELTV calculations notoriously difficult   • Hiring for Longevity vs. Performance – The tension between selecting candidates with maximum immediate output and those who compound value over years of tenure   • The Cost of a Bad Hire, Revisited – How ELTV reframes traditional cost-of-vacancy models by revealing the exponential drag of underperformers who stay too long   • Segmenting by Role and Level – Why a one-size-fits-all ELTV approach fails, and how to build role-specific models for revenue-generators, innovators, and cultural anchors   • TA's Credibility Currency – Using ELTV projections to secure executive buy-in for longer search cycles, premium candidate experiences, and competitive offer strategies   • The Retention Multiplier – How onboarding quality, manager effectiveness, and development investment directly inflate or deflate ELTV before a recruiter's work is even tested   • Predictive ELTV in Sourcing – Emerging signals and assessment methodologies that forecast lifetime value at the point of application, not just post-hire   • From Metric to Movement – Building organisational accountability around ELTV so that talent acquisition, HRBPs, and line managers share ownership of the full employee journey   Watch this essential discussion to elevate your strategic influence. Mastering ELTV separates transactional recruiters from architects of sustainable workforce value—and the window to lead this evolution is narrowing.     We're on Friday 24th July at 2pm BST. Register by clicking on the green button (save your spot) and follow the channel here (recommended).     Ep397 is supported by our friends at Greenhouse   With application volumes at historic highs, AI claims shaping procurement, and candidate fraud entering the funnel in ways most teams can't track, your ATS decision carries more weight than ever. Download this updated guide from Greenhouse for a practical roadmap to cut through vendor noise, understand true total cost of ownership, and choose the platform your hiring function actually needs.   Download now

Oh, so now Donald Trump cares about air pollution? Go figure. A political party of cockroaches in India? And how Christopher Nolan portrays women in his The Odyssey (spoiler: about as well as you'd expect)See omnystudio.com/listener for privacy information.

Suppose the habits shaping your family's future were set decades before you were born? This episode of Salad with a Side of Fries dives into the real, practical steps behind building generational health and finally breaking cycles of diet culture, stress, and chronic disease.Host Jenn Trepeck unpacks how breaking the cycle begins with honest conversations, family history, and daily choices around hydration, sleep, and stress management (including family meals) that any household can start putting into practice today for lasting, healthy aging.What You Will Learn in This Episode:✅ Why generational health is really about the lifestyle we pass down, not just the genes we inherit✅ How to talk to picky eaters using energizing foods and fuel-based language instead of good and bad labels✅ The real protein needs for growing kids and teens✅ How modeling healthy behavior around stress, screens, and family meals teaches kids more than any lecture or ruleThe Salad With a Side of Fries podcast, hosted by Jenn Trepeck, explores real-life wellness and weight-loss topics, debunking myths, misinformation, and flawed science surrounding nutrition and the food industry. Let's dive into real-life wellness and weight loss, including drinking, eating out, and skipping the grocery store.TIMESTAMPS:00:00 Why life expectancy is dropping and how generational health can reverse that trend07:06 Breaking the cycle of childhood diet rules, sneaking treats, and food restriction08:56 How family history of disease and epigenetics shape the lifestyle patterns we pass down15:13 The six human foundations behind every healthy lifestyle17:17 Nutrition tips for handling picky eaters using fridge first and energizing food language21:23 Calculating real protein needs for growing kids and teenage athletes based on body weight29:12 Modeling calm, stress management, and the importance of connection and community33:27 How GLP-1 medications are quietly reshaping shared meals and family food culture40:02 Using screen time and modeling to teach kids healthy, generational health habitsKEY TAKEAWAYS:

For many retirees, their home isn't just a place of comfort, it's one of the largest assets on their balance sheet. However, beyond the emotional value and the years of accumulated equity, there's an often-overlooked reality: selling your primary residence can bring an unexpected tax bill. If you're contemplating a sale or want to ensure you're planning wisely, understanding the IRS's primary residence capital gains exclusion is essential. On the show this week, I break down what this exclusion means, who qualifies, how to maximize its benefits, and the critical planning steps to avoid a nasty tax surprise.   You will want to hear this episode if you are interested in... [00:00] Understanding capital gains exclusion [03:52] Capital gains exclusion requirements [07:40] Reducing taxes on home sale [11:31] Calculating capital gains tax [14:57] Impact of capital gains on IRMAA   The Primary Residence Capital Gains Exclusion Thanks to the IRS, many homeowners can exclude a substantial portion of the capital gains realized from the sale of their primary residence. Single tax filers can exclude up to $250,000 of gains while married couples filing jointly enjoy up to a $500,000 exclusion. In practical terms, this means if your gain from selling your home stays within these thresholds, you may owe no federal tax on that profit.   Who Qualifies for the Exclusion?  Before assuming you'll benefit from this significant tax break, it's important to meet all IRS requirements:   1. The Ownership and Use Test: You must have lived in the home as your primary residence for at least two of the five years preceding the sale. These years don't need to be consecutive, but they must total at least 24 months within the five-year window.   2. Exclusion Frequency: You cannot have claimed the exclusion on another home sale within the past two years.   3. Acquisition History: The property generally cannot have been acquired through a 1031 like-kind exchange in the previous five years.   Special Rule for Widows and Widowers: If you've recently lost your spouse, you may still qualify for the full $500,000 exclusion if you sell within 24 months of your spouse's passing, don't remarry during this period, and have satisfied the other ownership and use requirements.   Why More Homeowners Now Face Capital Gains Taxes Home values have seen record appreciation over the last three decades, but the exclusion thresholds haven't changed since 1997. A homeowner who bought in their 20s or 30s might now find that decades of appreciation have pushed them well beyond the exclusion limits—and into taxable territory. If your gains surpass the exclusion, any additional gains are taxed either as short-term (if you've owned the home for a year or less) or, more commonly for longtime owners, as long-term capital gains (taxed at 0%, 15%, or 20% depending on your income).   Maximize Your Savings: Track and Increase Your Cost Basis One of the most effective strategies to reduce your taxable gain is to properly track and boost your home's cost basis. Your cost basis starts with your original purchase price and is increased by certain acquisition costs (settlement fees, title insurance, legal fees, etc.). Most importantly, capital improvements—such as room additions, roof replacement, major kitchen or bath remodels, or HVAC system upgrades—can be added. Routine maintenance and minor repairs generally don't increase your basis, so keeping thorough records of major projects and associated costs is crucial. Medicare Premiums and Tax Strategy Selling your home and realizing a large capital gain may bump you into a higher Medicare premium bracket, known as IRMAA, which can affect your Part B and Part D premiums a couple of years after the sale. This makes it essential to coordinate a home sale with your overall income strategy and consult both a financial advisor and CPA before listing your home. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  National Association of REALTORS® Avoid These 7 Scenarios to Keep Your Medicare Premiums Lower In Retirement #313 2026 Medicare Part B Premium Surprises, #282  7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

What started off as us revisiting the Blade Trilogy derailed spectacularly somewhere between admiring Wesley Snipes roundhouse-kicking vampires into dust and asking how Jessica Biel's UV flashlight-bow-weapon-lightsaber-thing, that's half as hot as the surface of the sun, apparently, wouldn't just accidently delete Ohio.Welcome to the CREEP-O-RAMA Podcast, everyone. You know how this goes by now. First, we sink our fangs into Blade (1998) directed by Stephen Norrington, Blade II (2002) directed by Guillermo del Toro, and the fever dream known as Blade: Trinity (2004) directed by David S. Goyer, celebrating everything from the legendary blood rave opening and Stephen Dorff's gloriously arrogant Deacon Frost to Kris Kristofferson proving that every vampire hunter should legally be required to look like they smell faintly of whiskey and shotgun shells.Then Guillermo del Toro strolls into Blade II like a goth wizard who wandered into the wrong franchise and accidentally made one of the coolest vampire movies ever. We get stoked over the jaw-splitting Reaper creature effects, Ron Perlman insulting everyone within breathing distance, Norman Reedus somehow playing Daryl Dixon years before Daryl Dixon existed, and UdoKier reminding everyone that he's physically incapable of giving less than 138% in any movie.And then... Blade: Trinity happens and oh boy…We unpack the great Post-It Notes War of 2004 between David Goyer and Wesley Snipes, Ryan Reynolds stress-testing every joke he would later recycle in Deadpool, Triple H refusing to leave the movie, and Dominic Purcell's Dracula, who somehow radiates the energy of a guy waiting for his protein shake at Planet Fitness instead of the ancient Prince of Darkness.Things continue to deteriorate as we raise questions Hollywood cowards refuse to answer: Who tattoos Blade? Is Whistler secretly moonlighting as the world's grumpiest tattoo artist? How do tattoos stay on someone with regenerative vampire healing? Was the entire screenplay reverse-engineered around “Heat-Seeking Dennis”? Why is “Heat-Seeking Dennis” an actual credited character in this franchise?  Come for the vampire carnage and blood rave. Stay for unnecessary science lesson on the temperature of the Sun. We're basically an educational podcast now. Kinda. CREEP-O-RAMA is: Store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CREEP-O-RAMA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@creep-o-rama⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Josh: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@joshblevesque⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Artwork: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@bargainbinblasphemy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Theme: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@imfigure⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Audio: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@stranjlove

Ever wondered what separates top-performing dealership parts departments from the pack? On this high-energy episode, Kaylee Felio brings gritty, actionable clarity to inventory management, smarter pricing, and the realities of working with your DMS. Packed with pragmatic advice and real-world examples, this session is all about giving parts managers the tools, support, and confidence to fix the foundation, turn inventory faster, and stop making inventory a guessing game.From the power of daily sales reporting to avoiding the traps of obsolete inventory, Kaylee Felio covers the core habits and strategies the most successful teams use—plus, she isn't shy about naming which DMS platforms offer real advantages (and where others fall flat). Whether you're looking to reduce obsolescence, boost profitability, or finally get your arms around all those so-called “protected parts,” this episode delivers the tactical details you need to stock smarter and stay growth-focused.--------------------------------------------TakeawaysConsistent, Proactive Training & Reporting Sets Winning Departments Apart.Your DMS Can Be a Co-Pilot—Or a Roadblock—Depending on How You Use It.Obsolescence Isn't Inevitable—But It Takes Grit to Fix.Chapters00:00 Encouraging audience questions06:29 Managing staff shortages07:55 Scheduling and optimizing short meetings12:42 Issues with store migration data16:11 Retail sales report insights20:55 Retail pricing and markup strategy23:16 Managing product pricing and profit margins27:24 Challenges in Inventory Management30:40 Analyzing dealership inventory levels33:48 Managing obsolete inventory strategies37:49 Analyzing inventory turnover rates41:29 Forecasting obsolete inventory growth46:18 Dealing with obsolete inventory49:57 Honda's SRA and Inventory Management50:52 Calculating true terms in inventory54:14 Inventory management strategies53:20 Techyon's dealership strategy and pricingKaylee FelioLinkedIn: https://www.linkedin.com/in/kayleefelioWebsite: https://www.partsedge.com

Have you ever wondered whether a marketing expense is actually worth the money? In this episode, we explore three financial metrics every pet care business owner should understand before making decisions: client lifetime value, profit margin, and cost per visit. We discuss how these numbers remove guesswork from marketing, pricing, hiring, and growth decisions. We also explain how operational efficiency directly impacts profitability and long-term sustainability. By the end, we encourage you to calculate just one of these metrics so you can begin making more confident, data-driven decisions in your business. Main topics: Calculating client lifetime value Understanding profit margin percentages Measuring cost per visit Smarter marketing investment decisions Improving operational efficiency Main takeaway: "If you're not profitable at one visit, you won't be profitable at a thousand visits." Growth doesn't solve broken systems—it amplifies them. Before chasing more clients, more employees, or more marketing, make sure you understand what each visit actually costs your business. When you know your numbers, you stop guessing and start making decisions that build a business capable of serving clients, supporting your team, and lasting for years. Links: Check out our Starter Packs See all of our discounts!

Inflation affects almost every part of the economy — from food prices and wages to pensions, mortgages, and central bank policy. But how is inflation actually calculated? In this episode, Skip Montreux and Dez Morgan look at the Consumer Price Index, or CPI, and explain how governments measure changes in the cost of goods and services over time. They start by explaining CPI, one of the main figures used to measure inflation. Dez explains how the Office for National Statistics in the UK tracks the price of a representative basket of goods and services. This basket includes many things people commonly buy, such as groceries, clothes, transport, household items, and services. Skip and Dez then discuss how this basket changes over time. The items are updated every year to reflect changes in consumer habits and lifestyles. This year, items such as hummus, alcohol-free beer, pet grooming services, and motorhomes were added to the UK basket, while premium lager bought in a pub was removed. Next, they look at why accurate inflation data is so important. CPI can influence pension increases, wage negotiations, and central bank decisions. If inflation is above a target level, a central bank may raise interest rates, which can affect mortgages, credit cards, and economic growth. Finally, Skip and Dez discuss some of the more complicated methods used in inflation calculations. These include substitution, Chained CPI, Owner's Equivalent Rent, and hedonic adjustments. These methods can be controversial because they raise an important question: should inflation measure only what people spend, or should it also consider changes in product quality? This episode helps listeners understand how inflation is calculated while building practical Business English skills. In this episode, you will learn: How CPI is used to measure inflation. What a representative basket of goods and services means. Why the CPI basket changes as consumer habits change. How CPI can affect pensions, wages, interest rates, and central bank policy. What substitution, Chained CPI, Owner's Equivalent Rent, and hedonic adjustments mean. Why some people are skeptical of how inflation is measured. Do you like what you hear? Become a D2B Member today for to access to our -- NEW!!!-- interactive audio scripts, PDF Audio Script Library, Bonus Vocabulary episodes, and D2B Member-only episodes. Visit d2benglish.com/membership for more information. Follow Down to Business English on Apple podcasts, rate the show, and leave a comment. Contact Skip, Dez, and Samantha at downtobusinessenglish@gmail.com Follow Skip & Dez Skip Montreux on Linkedin Skip Montreux on Instagram Skip Montreux on Twitter Skip Montreux on Facebook Dez Morgan on Twitter RSS Feed

In this episode we share our insights on aiming techniques for archery, whether you're hunting or shooting targets. This episode covers systematic methods, equipment considerations, and how to adapt your aiming system to different scenarios to improve accuracy.In this episode:The importance of a consistent aiming system for accuracyDifferences between hunting and target archery aiming methodsHow equipment choices like peep size and sighting systems influence aimingAdjustments for shooting angles, distances, and environmental variablesCommon mistakes and how to correct them for better impactThe role of mental focus, breathing, and technique during an aiming shotPractical tips for practicing aiming in various hunting setupsThe significance of actually analyzing shot impacts and adjusting accordinglyTimestamps:02:19 - Target shooters vs. hunters: aiming differences04:23 - The big drift when switching from static to 3D and hunting scenarios06:17 - How mechanics and consistency impact aiming accuracy08:12 - Common aiming mistakes during hunting setups09:47 - Gravity effects when aiming up or down11:33 - How to align your sight or pin effectively14:06 - Multiple sight setups and choosing your aiming method16:53 - Proper peep size for visibility and accuracy in low light18:32 - The importance of method consistency and avoiding switching aiming techniques20:07 - Adjusting your aim after drawing and during aiming process23:33 - Key focus points: bubble and target focus24:23 - The importance of focusing on the target versus the pin26:23 - Picking a specific spot on the target or animal28:02 - Watching the arrow in flight to confirm your aim29:40 - Common aiming issues in high-stress hunting scenarios32:39 - The effects of pin alignment and aiming distractions34:38 - Visualizing the arrow's path with a target ball analogy37:03 - Calculating angles for optimal shot placement38:09 - Practicing shooting from various hunting positions40:04 - Consistent step-by-step aiming process for reliable results42:25 - The significance of matching practice conditions to real hunting scenarios43:22 - Effects of glasses, sunglasses, and eye protection on aiming48:16 - Maintaining consistent sighting and aiming systems over time50:31 - Special event announcements and niche gear like challenge coins52:30 - Upcoming podcast topics including releases and equipment choices54:41 - Final reminders for upcoming archery events and coaching opportunitiesOur next event at the shop will be Tomorrow July 11th. We will be setting up sight tapes using precision cut and the lab radar absolutely free, as well as doing some coaching and lots of other one on one instruction. Email or call the shop for more information:SilverBirchArchery - (570) 491-8166113 Rt 6, Milford, Pennsylvania 18337Hours: Tuesday - Saturday: 10am - 6:30pmSunday: 12pm - 5pmDon't forget to subscribe and leave comments. Your progress begins with deliberate practice and a calm mind. Reach out for coaching, training, or just to share your journey!Here are some links to stay up to date with us:Our YouTube Channel: https://youtube.com/highpowerarcheryMy facebook link: https://www.facebook.com/AngelGarciaArcheryCoachHigh Power Archery Instagram: https://www.instagram.com/highpowerarchery/Jonathan's Instagram:@silverbirch_viking

Dr. Don Parry brings Hebrew precision and prophetic testimony to Elisha's miracles, tracing an unmistakable portrait of Jesus Christ from poisoned stew to resurrected bones, and connecting ancient temples and the Dead Sea Scrolls to the living Restoration.SHOW NOTES/TRANSCRIPTSEnglish: https://tinyurl.com/podcastOT228ENFrench: https://tinyurl.com/podcastOT228FRGerman: https://tinyurl.com/podcastOT228DEPortuguese: https://tinyurl.com/podcastOT228PTSpanish: https://tinyurl.com/podcastOT228ESYOUTUBE: https://youtu.be/AwqDQfW_grQFREE PDF DOWNLOADS OF followHIM QUOTE BOOKSNew Testament: https://tinyurl.com/PodcastNTBookOld Testament: https://tinyurl.com/PodcastOTBookBook of Mormon: https://tinyurl.com/PodcastBMBook WEEKLY NEWSLETTERhttps://tinyurl.com/followHIMnewsletter SOCIAL MEDIAInstagram: https://www.instagram.com/followHIMpodcastFacebook: https://www.facebook.com/followhimpodcastTIMECODE0:00 - Part 2 - Dr. Don Parry2:17 Naaman: mighty man of valor and leper4:24 The little captive maid and testimony under pressure7:04 Dead Sea Scrolls and Dr. Parry's testimony of how he joined the team9:21 Naaman dips in the Jordan seven times11:43 Seven dippings and chiastic structure and biblical numerology13:43 Leprosy in Hebrew scholarship and Jesus referencing Naaman15:44 Gehazi's greed and leprosy as a consequence18:51 2 Kings 6: horses and chariots surrounding Dothan21:05 Elder Holland says heavenly armies are real24:02 Calculating the scale of the heavenly hose and Elisha and the blinded army28:11 Elisha's bones raise the dead and resurrection as a type of Christ31:19 Four principles to study scripture33:20 Dr. Parry's Preserved in Translation - Hebrew structures in scripture36:20 Liken the scriptures38:47 Dead Sea Scrolls and Isaiah–Essene connections to the Book of Mormon41:30 Doctrine matters44:03 Scripture brings light and hope49:09 30 correspondences between ancient and modern temple51:37 Church activity points to the temple and to Jesus Christ53:48 Joseph Smith as prophet and seer56:44 Closing testimony of Jesus Christ58:04 End of Part 2 - Dr. Don ParryThanks to the followHIM team:Steve & Shannon Sorensen: Cofounder, Executive Producer, SponsorDavid & Verla Sorensen: SponsorsDr. Hank Smith: Co-hostJohn Bytheway: Co-hostDavid Perry: ProducerKyle Nelson: Marketing, SponsorLisa Spice: Client Relations, Editor, Show NotesWill Stoughton: Video EditorKrystal Roberts: Translation Team, English & French Transcripts, WebsiteAriel Cuadra: Spanish TranscriptsAmelia Kabwika: Portuguese TranscriptsHeather Barlow: Communications DirectorSydney Smith: Social Media, Graphic Design "Let Zion in Her Beauty Rise" by Marshall McDonaldhttps://www.marshallmcdonaldmusic.com

Show notes: (0:00) Intro (1:22) Justin Donald's early career and first business lessons (4:29) Defining financial freedom and passive income goals (6:34) Calculating survival, lifestyle, and ideal income (9:06) Choosing family time over constant work (16:01) Using real estate to create financial freedom (21:49) Why real estate is a strong wealth-building path (24:37) The danger of too much leverage (31:20) How Justin's team reviews deals and avoids red flags (41:12) Where to find Justin's book, podcast, and resources (45:15) Outro Who is Justin Donald?   Justin Donald is the founder of The Lifestyle Investor, a financial education company that teaches entrepreneurs, executives, and investors how to build wealth through passive income, cash flow investing, real estate, private deals, and smart deal structure. He is the #1 bestselling author of The Lifestyle Investor: The 10 Commandments of Cash Flow Investing for Passive Income and Financial Freedom and is known as the "Warren Buffett of Lifestyle Investing" for helping people grow their money without creating another full-time job. Connect with Justin:   Website: https://lifestyleinvestor.com/ LinkedIn: https://www.linkedin.com/in/justinwdonald/ IG: https://www.instagram.com/justindonald/   Grab a copy: The Lifestyle Investor   Tune in to his podcast: The Lifestyle Investor – Investing, Passive Income, Wealth Links and Resources: Peak Performance Life  Peak Performance on Facebook Peak Performance on Instagram

​Imagine spending just $75 on a lead and walking away with over $77,000 in pure profit. In this action-packed episode, Brent Daniels is joined by Carey Howard, a real estate powerhouse who transformed major personal setbacks into a thriving business that now closes a deal a day! Carey completely breaks down his innovative "Liger" method, a masterclass in blending wholesaling with novations by going on title with the seller, doing light base-level rehabs, and selling for top retail dollars. Stop overcomplicating your sales process and start serving sellers with custom solutions that pay off big. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:30) From a kidney transplant and quitting a bank job to taking a leap into real estate(2:34) The ultimate servant's heart and that is turning a $75 statewide lead into a $77,000 profit(4:48) Generating a deal a day on a $10k–$20k monthly marketing budget(5:56) The "Liger" strategy, by blending wholesaling and novations for maximum profit margins(7:27) Why giving property owners three distinct options dramatically increases your close rate(9:32) How bringing an overgrown property up to "base level" yielded a massive $87,000 win(12:42) Calculating offers based on as-is comps instead of ARV(15:18) Bypassing the due-on-sale clause by taking the deed into a trust with 10% beneficial interest(17:46) The ultimate advice from Pastor Tom(20:18) Navigating the unique challenges of entrepreneurship and the importance of a supportive partner----------Resources:Property LeadsCloser ControlWholesaling LaunchTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

Are you tired of clients telling you that your recruitment fees are too high? In this episode, we break down why you should never defend your price tag and what you must do instead to win the business. When a client pushes back on your fee, they are usually comparing it to two flawed metrics: the perceived "free" cost of doing nothing or the price of a cheaper agency. It is time to change the number they use to judge your worth!What You Will Learn in This Episode:The "Dripping Tap" Trap: Discover why an unfilled vacancy is like a slow leak that quietly drains massive resources from a business, making the cost of doing nothing far more expensive than your fee.Behavior Driven by Fees: Understand why a low contingent fee simply buys a rushed race for CVs, whereas a higher retained fee guarantees research, exclusivity, and true accountability.Results vs. Chance: Learn how to reframe the client's mindset so they realize they are not choosing between different price points, but between a guaranteed outcome and a risky gamble.Calculating the Real Cost: Actionable strategies to make hiring managers calculate the exact weekly financial impact of an empty seat, instantly making your fee look like a minor, necessary investment.Stop losing out to cheaper competitors and stop letting clients believe that delaying a hire is free. Tune in to learn how to take control of the conversation, because the expensive thing is never your fee it's the wrong outcome!

When we calculate how close we can get to sin, compromise slowly reshapes our convictions and hearts—but God's mercy can still rescue us when we choose surrender over compromise and return to Him.

Perpetual pain is a two-time taker, taking from both the body and the mind. Physically, pain takes away the freedom of living life without making mini-choices regarding daily activities, knowing there will be a price to pay either way. Mentally, it takes the joy of good times and makes bad times worse. Listen to legendary trial attorney Keith Mitnik discuss: Defining 'suffering' and the mental fallout from pain Calculating the value of suffering How negligence and a dismissive defendant impact suffering Have a case you think Keith and his team can handle? Send an email to Keith directly: KMitnik@forthepeople.com  Have a case your firm doesn't handle? Our team is here to help! We hand out hundreds of referral fee checks a month $$$ If you think you have a case for us you can send it to  ▶ TheMorganConnection@ForThePeople.com  More great content here: https://www.themorganconnection.com/ Season 2 - Episode 4

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Are you prepared to smash your watch and enter the hustle season? In this episode, Brent Daniels breaks down the exact, un-sugarcoated math of using a cold calling center to land your first wholesale deal. If you are operating on a marketing budget under $2,000 a month, this is your blueprint. Brent reveals the precise numbers you need to know: 15,000 phone numbers, 1,000 contacts, and 100 leads to close one deal.But it doesn't stop at generating leads. Brent explains why outsourcing your follow-up too early is a fatal mistake, detailing the aggressive "triple tap" sequence you must use to convert those 100 leads into massive paydays. Featuring incredible case studies, including a $137,000 deal from a single cold call, this episode proves that while the volume is high, the ROI is absolutely bananas. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:32) Why your first 90 days in real estate must be treated as the ultimate "hustle season"(2:35) The exact metrics for hiring a call center (15,000 numbers, 1,000 contacts, and 100 leads)(4:30) Calculating the upfront costs and expected hours required to close one cold call deal(6:11) Why outsourcing your lead follow-up too early will absolutely destroy your business(7:23) Understanding the realistic 90 to 120-day sales cycle for cold call leads(9:35) "Triple tap" follow-up sequence and how to engage a brand new lead in the first 48 hours(12:59) How Brandon Morales turned one cold call lead into a $137,000 wholesale fee(14:43) Securing an $83,000 wholesale fee on a hoarder property in just two days(16:36) The 5-step roadmap from finding your tribe to firing yourself and buying assets----------Resources:Wholesaling Launch BookCall GeeksDealMachineCEO Pulse CRMInstagram: @realbrentdanielsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

“There are three ways you’re going to get compensated from your business. One is W-2 Salary. Two is K-1 distributions. Three is other benefits.” – RJon Robins, author of Profit First for Lawyers How profitable is your law firm? The answer might be more complicated than what shows up on your P&L statement. In this third part of our seven-part financial literacy series, we revisit a topic from season one: Total Owner Benefits. A topic of such importance that it has an entire chapter devoted to it. Listen in as RJon takes a law firm owner through an exercise to calculate the true value they are receiving from their firm. Beyond the Bottom Line RJon poses a powerful question: Would you rather own Firm A (making $1M but working 70-hour weeks doing work you hate with no vacations) or Firm B (making $500K working 50 hours doing meaningful work with real time off?) Your banker might say Firm A is more profitable, but which would contribute to your family’s happiness more? The Real Math In the 2019 workshop, RJon shows how a business that appears to have a 20% profit margin actually delivers 38% in Total Owner Benefits when you account for all three components (W-2 Salary + K-1 distributions + Other benefits). The difference is dramatic and changes everything about how you evaluate your firm’s true profitability. Understanding Total Owner Benefits reveals the value your business is actually providing you with. Action Steps Follow along with your numbers during the exercise to discover your Total Owner Benefits Then ask yourself: What is my law firm actually giving back to my life? If you don’t like the answer, pick one small thing to change Next Time: Join us for Part 4 where RJon walks law firm owners through normalized salary calculations. This is an eye-opening episode you won’t want to miss. So be sure to subscribe to the Profit First for Lawyers podcast. Resources Mentioned Financial Literacy Series: Part 1 – You’re Not Bad with Numbers Part 2: Understanding the Stages of a Law Firm’s Growth Chapter 9: Total Owner Benefits (pages 73-87 in the Profit First for Lawyers book) Season 1: Total Owner Benefits episode Connect Subscribe to the Profit First for Lawyers podcast Watch episodes on YouTube And most importantly, order your copy of Profit First for Lawyers today!

The voice won't stop. The food calculations. The weight obsession. The constant mental chatter that's been your unwelcome companion for years—maybe decades. If you've tried therapists, treatments, and programs but still feel trapped by eating disorder thoughts, this episode is your breakthrough moment. Today you'll discover: The 2 words that can silence your eating disorder voice TODAY Why saying "no more" to excuses changes everything How to evict the voice that's been living rent-free in your brain The identity shift from tolerating to terminating disordered thoughts Why you're never too old to reclaim your life Specific strategies to stop negotiating with the disorder voice For the woman who's done living this way and ready to get her mind back. THE BRUTAL REALITY You've tried everything: Therapists, programs, meal plans, books, podcasts. Yet here you are: Calculating calories at your daughter's birthday party Avoiding restaurants because menus feel like minefields Letting the scale determine if you deserve to feel good today Living with constant food noise that never stops You're exhausted—not just from behaviors, but from the relentless mental chatter about food, weight, and what you can eat next. You wonder if other women your age who seem effortlessly free will ever be you. THE TWO WORDS: "NO MORE" Most women say "no more" to food, their body, taking up space. I'm talking about saying "NO MORE" to the voice running your life. The identity shift: Step behind the identity of the woman who no longer tolerates this voice living rent-free in her brain. You don't tolerate nonsense anywhere else—why are you allowing this disordered voice to be your most demanding tenant? Time to serve an eviction notice. NO MORE "I CAN'T" Stop saying: "I can't eat that" "I can't skip my workout" "I can't trust my body" Start saying: "I choose not to right now" (choice vs. restriction) "I'm learning to trust my body" (growth vs. impossibility) "I'm exploring what feels good" (curiosity vs. fear) "I can't" keeps you small. "I'm choosing" gives you power. NO MORE "I'M TOO TIRED" You're not too tired to recover—you're exhausted from fighting the wrong battle. You've been fighting: Your body instead of for your body Food instead of for nourishment Yourself instead of for yourself The woman who's free redirects that energy toward healing, not controlling. NO MORE "WHAT IFS" Stop asking: "What if I gain weight?" "What if people notice?" "What if this doesn't work?" Start asking: "What if I stay exactly here for 5 more years?" "What if I miss life events obsessing over menus?" "What if I spend my golden years counting calories instead of making memories?" The "what ifs" that should terrify you are about wasting more precious life. NO MORE "I'LL DO IT LATER" You know the truth about "someday"—it doesn't exist. You've been saying "someday" for how long? One year? Five? Twenty? Recovery doesn't happen in perfect timing. Recovery creates perfect timing. NO MORE AGE EXCUSES "I'm too old to change." "I should have figured this out by now." "It's too late for me." Truth: You are never too old to reclaim your life. Age doesn't disqualify you from healing—it makes you wiser about what matters. The woman at 25 who recovers and the woman at 55 who recovers both get the same prize: their life back. THE EVICTION NOTICE Write this to your eating disorder voice: "Dear Eating Disorder Voice: Your lease is up. You've been living rent-free in my brain for [X] years, but your tenancy ends today. You are no longer welcome here. Signed, The Woman Who Says No More." KEY QUOTES

Send us Fan MailOn Episode 95 of The Plant Movement Podcast, Keith Crouse of Howard and Son Farms returns for his second appearance on the show to share a practical, no-nonsense look at what it takes to build a nursery from the ground up.Keith balances life as a firefighter while growing Howard and Son Farms, a nursery operation focused on liner production, propagation, and continuous improvement. In this episode, he pulls back the curtain on everything from greenhouse construction and irrigation management to financing growth, hiring employees, calculating plant costs, and building a nursery business that can scale.This conversation is packed with actionable advice for growers, nursery owners, landscapers, and entrepreneurs looking to understand the realities of operating a successful nursery.Topics include:

Send us Fan MailWelcome back to Laundromat Resource! In today's episode, Jordan Berry dives deep into one of the most common—and most misunderstood—questions in the laundromat industry: How many laundromats do you ACTUALLY need to retire? Forget the hype and unrealistic Instagram goals. Jordan Berry breaks down the real math behind financial independence, covering everything from defining your personal “FI” (financial independence) number to calculating net operating income, dealing with loans, and understanding how factors like market, operating costs, and business size impact your path to retirement. Whether you want a bare-bones lifestyle or full-blown freedom, this episode will give you practical tools to figure out your own number—and avoid building yourself straight into a stressful second job. If you're ready for honest, no-fluff advice on using laundromats to fund your future, you're in the right place!In this episode, Jordan Discuss:00:00 Finding financial freedom05:58 Understanding Lean, Normal, and Fat FI06:57 Personalizing Your Financial Independence Number13:17 Real estate vs. laundromat investing14:44 Financing a Laundromat Purchase18:10 Calculating laundromat investment value21:32 Buying my first laundromat23:36 Laundromat valuation differences29:37 Free strategy call offer30:41 Encouraging subscribers to joinFree Strategy Zoom Call with Jordan:https://calendly.com/laundromatresource/free-strategy-call?back=1

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

Jimmy's Monologue - Trump calculating beyond today with Iran Learn more about your ad choices. Visit podcastchoices.com/adchoices

The new federal student loan regulations are about to throw a wrench into grad and professional borrowers' repayment options, and we're tackling some of the most pressing questions borrowers are calling in with. We break down why one loan disbursed after July 2026 can flip somebody from a clear forgiveness path to being stuck in a repayment plan that costs you double (or more). You'll also learn strategies for handling PSLF account issues, navigating income certification if your income drops, and the mental health toll all these changes might take. Key moments:(01:23) Why a single loan disbursed after July can potentially double your total repayment(08:54) Using pay stubs vs. tax returns to certify IDR plan income(15:26) Mental health, financial hopelessness, and why no student loan situation is truly unrecoverable(24:21) Calculating physician debt-to-income ratio for PSLF as a resident vs. attending(28:53) Why federal loan caps will trigger chaos in grad school funding and may force program closures or major tuition shiftsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership. Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

Download your free personalized $100M scaling roadmap in under 30 seconds: https://www.acquisition.com/roadmap?el=yt-alex-486r&htrafficsource=youtubeBigger businesses demand bigger tradeoffs, but most business owners just don't want to pay them. In this episode, Alex coaches six business owners through the real bottlenecks stopping them from scaling. He breaks down why inbound and outbound sales teams should never mix, why premium businesses require premium talent, and why the fastest way to grow is often killing the thing that made you successful in the first place.In this episode00:00 The real cost of scaling from $6M to $100M07:14 Raising prices to fund staffing needs10:46 Outreaches to get more “whale” HVAC partners12:52 Building the dream team to handle high-end clients18:18 Lead generation strategies for a roofing company26:41 Doubling down on networking to generate more leads27:55 Calculating the opportunity cost of exiting a businessMore Value:Join The Live Scaling Workshop In Las Vegas: https://www.acquisition.com/o-vegasDownload your free personalized $100M scaling roadmap in under 30 seconds: https://www.acquisition.com/roadmap?el=yt-alex-486r&htrafficsource=youtubeDiscover The Easiest Business I Can Help You Start (Free Trial): https://www.skool.com/hormoziFree Books and Video Courses: https://www.acquisition.com/trainingGet the $100M Book Bundle: https://shop.acquisition.com/pages/100m-book-bundleFollow Alex Hormozi's Socials:⁠⁠LinkedIn ⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠Facebook⁠⁠ | ⁠⁠YouTube ⁠⁠ | ⁠⁠Twitter⁠⁠ | ⁠⁠Acquisition ⁠DISCLOSURE Information shared here is for educational purposes only. Individuals and business owners should evaluate their own business strategies, and identify any potential risks. The information shared here is not a guarantee of success. Your results may vary. Copyright © 2026.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Jesse Cramer challenges the popular idea of investing your emergency fund by reframing what that money is truly meant for: peace of mind and immediate security. He argues that if you're willing to risk part of it, then that portion was never truly an emergency fund to begin with. This perspective helps clarify how to separate safety from growth so you can make smarter, less stressful financial decisions. Read along with the original article(s) here: https://bestinterest.blog/should-you-invest-your-emergency-fund/ Quotes to ponder: "An emergency fund is the minimum amount of cash you need to sleep well at night." "The investing timeline of an emergency fund is zero days." "Only the money you're not willing to lose constitutes your emergency fund." Learn more about your ad choices. Visit megaphone.fm/adchoices